5 Social Security Agreement between Australia and Finland Australia s social security system Australia s social security system is different to most other developed countries. Each person s pension is paid by the Australian Government out of general funds, rather than through contributions paid by individuals and employers into a social insurance fund. For this reason, Australian pensions are income and asset tested. The (DHS) delivers Australian social security payments to individuals. You will have to tell us about all of your, and in some instances, your partner s 1 income and assets if you want to claim an Australian pension. How does the agreement help you? The agreement generally allows you to lodge a claim for payment from either country. It also allows you to add together your periods of residence in Australia and periods of social security coverage in Finland, so you can meet the minimum requirements for payment. Who can get an Australian payment? If you live in Australia or Finland, you can lodge a claim for the Australian Age Pension in either country. To qualify under the agreement, you need to meet the following basic requirements*: Age Pension You may be able to get Age Pension if: you are over the qualifying age (refer to humanservices.gov.au for details), and the total period of time you have lived in Australia and/or your periods of coverage in Finland add up to more than 10 years. Note: if you live outside Australia when you claim, you generally need at least 12 months Australian Working Life Residence 2, of which six months must be continuous. * There may be additional requirements you need to meet before you can be paid. INT PAGE 1 OF 4

6 Who can get a Finnish payment? Under the agreement, you can add periods of Australian Working Life Residence 2 to your periods of coverage in Finland to meet the minimum requirement for the Finnish Age Pension (under the National Pension Scheme), Age Pension (under the Earnings-Related Pension Scheme), Disability Pension (under the Earnings-Related Pension Scheme) and Survivors Pension (under the Earnings- Related Pension Scheme). The Finnish pension authorities make all decisions about Finnish payments. For more information about Finnish payments, you should contact the Finnish pension authorities 3. How do I claim? If you are in Australia, to claim: an Australian payment under the agreement, visit humanservices.gov.au a Finnish payment, contact the department 4, or lodge your claim at your nearest DHS Service Centre. If you are in Finland, to claim: a Finnish payment, contact your local Finnish social insurance office an Australian payment: o contact your local Finnish social insurance office o the department, or o download the claim forms from humanservices.gov.au You can also lodge your claim at any local Finnish social insurance office. To get a claim for a Finnish payment, contact the Finnish pension authorities 3. You will need to lodge your claim for a Finnish payment directly with the Finnish pension authorities. Claims for payments should be lodged quickly, as back payments are not normally paid. Claims for Australian payments can be lodged up to 13 weeks early. For more information If you would like more detailed information you should contact us 4 for free help and advice. SOCIAL SECURITY AGREEMENT BETWEEN AUSTRALIA AND FINLAND PAGE 2 OF 4

7 Disclaimer The information contained in this publication is intended only as a guide to payments and services available. The information in this factsheet is accurate as at May If you use this publication after that date, please check with us that the details are up to date. Should I lodge a claim? We can t be sure if you will get a payment, until you lodge a claim and your circumstances are taken into account. It is your responsibility to decide whether you lodge a claim for payment or not. From what date are the payments available? Most government payments are paid from, or after the date on which the application is made. So the sooner you lodge your application, the quicker you may be paid. What do you need to do when dealing with a third party? You may deal with a third party who is not a member of our staff. If you do so, please remember that we have not authorised any third parties to provide information or advice to you about payments. Notes 1. Definition of a partner For our purposes, a person is considered to be your partner if you and the person are living together, or usually live together; are married, in a registered relationship (opposite or same-sex), or in a de facto relationship (opposite or same-sex). The department considers a person to be in a de facto relationship from the time they start living with another person as a member of a couple. The department recognises all couples, opposite-sex and same-sex. SOCIAL SECURITY AGREEMENT BETWEEN AUSTRALIA AND FINLAND PAGE 3 OF 4

8 2. Australian residence Australian residence means periods when you were residing in Australia as an Australian citizen or Australian permanent visa holder. Australian residence at any time is used to qualify for an Australian payment. Working Life Residence is period/s of Australian residence between the ages of 16 and Australian age pension age only. 3. Finnish social insurance contact details 4. Department of Human Services contact details The Department of Immigration and Citizenship may tell us about your travel to and from Australia since We may use this information to make sure that you are entitled to an Australian payment. For Finnish National pensions: Kansaneläkelaitos (Kela) Social Insurance Institution PL Helsinki FINLAND Call Fax Web kela.fi Call from within Australia. For Finnish Earnings-Related pensions: Eläketurvakeskus (ETK) Finnish Centre for Pensions FI Eläketurvakeskus FINLAND Call Fax Web:etk.fi Call from outside Australia. Note: call charges apply calls from mobile phones may be charged at a higher rate. Note: is not a secure communication medium. Fax Write to GPO Box 273, Hobart, Tasmania 7001, Australia. Visit humanservices.gov.au SOCIAL SECURITY AGREEMENT BETWEEN AUSTRALIA AND FINLAND PAGE 4 OF 4

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